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Submit your complaint →Senior Healthcare Recruiter Kajal Sinha reports an unauthorized ₹1,000 deduction from her HDFC Bank salary account. The unexplained charge left her balance negative. Read full details, possible legal actions, and how Choice4Voice.com helps consumers file banking complaints effectively.
Complaint Summary : Kajal Sinha Raises Urgent Complaint Against HDFC Bank Over Unexplained ₹1,000 Deduction
| Field | Details |
|---|---|
| Complainant Name | Kajal Sinha |
| Profession | Senior Healthcare Recruiter |
| Bank Involved | HDFC Bank |
| Account Type | Salary Account |
| Incident Date | October 2025 |
| Amount Deducted | ₹1,000 |
| Current Balance | -₹237.16 |
| Issue Type | Unexplained deduction / Account discrepancy |
| Desired Resolution | Refund and explanation for unauthorized charge |
| Complaint Source | Verified LinkedIn Post |
| Complaint Status | Pending official response from HDFC Bank |
Overview of the Complaint
Kajal Sinha, a Senior Healthcare Recruiter, reported an unexplained ₹1,000 deduction from her HDFC Bank salary account. After reviewing her statement, she noticed no corresponding transaction details or bank charges that could justify the debit.
As a result of this unauthorized deduction, her account balance turned negative (-₹237.16), raising a serious concern about transparency and security in HDFC Bank’s transaction monitoring system.
Kajal publicly requested HDFC Bank’s intervention through LinkedIn, demanding an immediate investigation and explanation.
Complainant’s Statement
“₹1,000 has been deducted from my HDFC salary account, and the balance now shows -₹237.16. There are no transaction or charge details justifying this deduction.
I request HDFC Bank to look into this urgently else I’ll be compelled to take further action.”
— Kajal Sinha, Senior Healthcare Recruiter
HDFC Bank’s Response (Awaited)
At the time of publishing, HDFC Bank has not issued an official clarification or response to the customer’s concern.
The case has been verified by Choice4Voice.com, and the details have been escalated to HDFC’s grievance redressal division for prompt investigation.
Possible Causes of Unexplained Bank Deductions
While the reason remains unclear in Kajal’s case, common causes of sudden deductions include:
- Dormancy charges or non-maintenance of minimum balance (for non-salary accounts)
- Debit card renewal or SMS service charges
- Reversal of failed transactions or refund errors
- Unauthorized debit by linked apps or payment gateways
- Technical errors during automated balance reconciliation
However, since Kajal’s account is a salary account, most of these deductions should not apply, strengthening her case for official clarification and refund.
Legal Case Can Be Filed
If the issue remains unresolved, the following legal options are available:
| Applicable Law / Regulation | Description | Authority to Approach |
|---|---|---|
| Consumer Protection Act, 2019 | For financial deficiency in service or unauthorized deduction | District Consumer Forum |
| Banking Ombudsman Scheme (RBI) | For unauthorized transactions, hidden charges, or unresolved complaints | RBI Ombudsman Portal |
| IT Act, 2000 (Section 43) | For unauthorized access or digital debit without consent | Cyber Crime Portal |
| RBI Guidelines on Salary Accounts | For wrongful deductions from zero-balance salary accounts | Reserve Bank of India |
How Choice4Voice.com Can Help
Choice4Voice.com is India’s independent consumer-advocacy platform that supports individuals facing unresolved issues with banks, telecoms, and online services.
For Kajal’s case, Choice4Voice.com can:
- Draft and send a formal complaint letter to HDFC Bank’s Grievance Cell.
- Prepare an RBI Ombudsman complaint citing unauthorized deduction.
- Help file a Consumer Forum complaint demanding refund and compensation.
- Publish and amplify the verified case online to ensure accountability.
If you’ve faced a similar issue, you can submit your complaint at Choice4Voice.com Our team verifies, publishes, and escalates your concern for visibility and resolution.
Step-by-Step Process: How to File a Complaint Against Unauthorized Deduction
- Collect Evidence:
Download your bank statement showing the unexplained debit. - Contact Branch / Customer Care:
Immediately write to HDFC Bank customer service with full transaction details. - Escalate to Grievance Cell:
If unresolved within 7 days, escalate to HDFC Nodal Officer via official email. - Approach RBI Ombudsman:
File an online complaint on the RBI CMS portal (https://cms.rbi.org.in). - Submit to Choice4Voice.com:
For public awareness and escalation support, submit your case with screenshots.
Official HDFC Bank Complaint Contacts
- Email: grievance.redressal@hdfcbank.com
- Nodal Officer Contact: [Available on HDFC’s official website]
- RBI CMS Portal: https://cms.rbi.org.in
(Note: Do not share sensitive account numbers publicly.)
Expected Resolution
- Refund of ₹1,000 to the customer’s salary account.
- Written clarification from HDFC Bank detailing reason for deduction.
- Assurance of transaction transparency to prevent recurrence.
- Public acknowledgment or apology for inconvenience caused.
Author
Kajal Sinha is a Senior Healthcare Recruiter with extensive experience in medical talent acquisition. She manages recruitment for healthcare professionals across India and maintains her HDFC Bank salary account for professional transactions. Her experience reflects the growing frustration among salaried customers facing unexplained deductions from reputed private banks.
How Choice4Voice.com Works
- Complaint Submission:
Consumers submit their verified issues through an online form. - Verification:
The team validates complaint details and supporting evidence. - Publication:
Genuine cases are published on the website and social platforms. - Escalation:
Choice4Voice.com tags official company handles for resolution. - Legal Support:
Guidance is provided for RBI Ombudsman and Consumer Court filing.
Frequently Asked Questions (FAQs)
Q1. Why was ₹1,000 deducted from my HDFC Bank salary account?
Unexplained deductions can occur due to system or reconciliation errors. You must request a detailed debit justification from HDFC.
Q2. Are salary accounts subject to minimum balance charges?
No, salary accounts are generally zero-balance accounts. Any deduction needs explanation.
Q3. How do I check the reason for a bank deduction?
Log in to HDFC NetBanking → Account Statement → Check “narration” for debit details.
Q4. What if there is no narration or charge code?
Raise a written complaint immediately to the branch or via email.
Q5. How soon must HDFC Bank respond to a complaint?
Within 7 working days as per RBI’s customer service guidelines.
Q6. Can I get my deducted money back?
Yes, if found unjustified, banks must refund such debits within 5 working days.
Q7. How can I approach the RBI Ombudsman?
Visit cms.rbi.org.in → Select “Banking” → Fill your complaint details.
Q8. Can I approach Choice4Voice.com for banking issues?
Yes, the platform helps escalate genuine consumer complaints publicly and legally.
Q9. Is negative account balance allowed in salary accounts?
No. It indicates a technical or unauthorized transaction that must be reversed.
Q10. Can a small deduction be taken to test fraud?
No, banks never test debit functionality; such claims may indicate an error or fraud.
Q11. How can I protect my account from hidden deductions?
Regularly review statements and disable auto-debits from unknown apps.
Q12. Does RBI have rules for unauthorized deductions?
Yes. RBI mandates prompt refund and consumer protection under its 2019 guidelines.
Q13. What if the bank ignores my complaint?
File an RBI Ombudsman complaint and attach your correspondence history.
Q14. Can I get compensation for mental harassment?
Yes, the Consumer Forum can grant compensation for service deficiency.
Q15. Should I post publicly about my issue?
You can post facts publicly (without sensitive data) to attract quick resolution.
Q16. How long does the Ombudsman take to resolve such cases?
Usually between 30 to 45 days after formal filing.
Q17. Does Choice4Voice verify all complaints before publishing?
Yes, every complaint undergoes authenticity verification before going live.
Q18. Can I track my complaint’s progress on Choice4Voice.com?
Yes, complainants are updated via email once escalation is initiated.
Q19. Is filing through Choice4Voice.com free?
Yes, there are no charges for publishing or escalation.
Q20. How can I submit my own banking complaint?
Visit www.choice4voice.com → Click Submit Complaint → Fill details → Upload proof → Get verified publication.
Final Note
Even a small, unexplained deduction can reflect serious lapses in transparency.
By sharing her experience, Kajal Sinha highlights the importance of accountability in digital banking.
Choice4Voice.com continues to support every customer whose voice deserves to be heard and whose trust deserves protection.
